International Finance Bank
BankRegReports is independent of International Finance Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
International Finance Bank is an FDIC-insured commercial bank headquartered in Miami, FL, established in 1983 (FDIC certificate 24823), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.62B, up 17.3% from Q2 2025, the 22nd largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 10.25% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24823
- Headquarters
- Miami, FL
- Established
- 1983
- Total assets, Q2 2026
- $1.62B
- Assets vs Q2 2025
- +17.3%
- CET1 ratio, Q2 2026
- 10.25%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 067011692
- Latest call report
- Q2 2026, FFIEC 041 · International Finance Bank call report
- Holding company
- IFB BANCORP, INC.
- Asset rank in state
- 22nd of 81 in Florida
International Finance Bank operates with a thinner capital cushion than most banks of its size. The Miami, Florida bank had $1.6 billion in assets at June 30, 2026, up 17.3% from a year earlier. It holds common equity equal to 10.25% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it holds about a fifth of its deposits (15%) above the FDIC insurance limit, about half the median of 30.9% for banks its size. It has also been growing, with assets up 17.3% in a year.
Net income for the quarter rose 11% from a year earlier, to $4.7 million. Concentration is the risk to watch: it holds commercial real estate loans worth 4.5 times its capital, about double the median of 2.2 times for banks its size.
As of June 30, 2026, International Finance Bank reported a CET1 capital ratio of 10.25%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.69%. The figures come from its call report filed with the FFIEC.
International Finance Bank ranks as the 22nd largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $1.62B, loans rose 4.3% and deposits rose 3.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.7% of total loans, ahead of commercial and industrial loans at 21.2%. Its 3 offices in the FDIC Summary of Deposits are in Miami, FL and New York, NY; its Miami 2 offices book 91% of its branch deposits. Judged on its Q2 2026 call report, International Finance Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 777 Sw 37th Ave, Miami, FL 33135
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 30, 1983
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $1.46B
- Allowance for credit losses
- $16.7M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $1.60B
- Average total loans
- $1.30B
- Average interest-bearing deposits
- $833.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 30, 1983
- FDIC Cert
- 24823
- Fed RSSD
- 867632
- Website
- www.ifbbank.com →
- Parent Holding Company
- IFB BANCORP, INC. (RSSD 5419205)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, International Finance Bank's total assets ran between $1.02B (Q3 2023) and $1.62B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.62B total assets against $1.38B; $1.49B total liabilities against $1.26B.
$1.32B net loans and leases against $1.13B; $1.46B total deposits against $1.25B.
$60.2M securities against $61.6M; $201.5M cash and balances due against $174.0M.
$21.2M total interest income against $19.0M; $7.4M total interest expense against $6.1M.
$13.8M net interest income against $12.9M.
$1.6M total noninterest income against $1.7M; $8.4M total noninterest expense against $8.2M.
$881K provision for credit losses against $1.3M.
$4.7M net income against $4.2M.
1.18% return on assets against 1.24%; 3.51% net interest margin against 3.78%.
10.25% CET1 capital ratio against 10.95%; 8.31% tier 1 leverage ratio against 8.60%.
Inside the full International Finance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
International Finance Bank rankings
Its closest position to the top of a national ranking is 686 of 4,196, for total assets; its furthest is 2,072 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.18% (Q2 2026) to 1.44% (Q4 2024) and its net interest margin ran from 3.51% (Q2 2026) to 3.90% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.25% | 1.18% | 0.30% | 2.69% | 3.51% |
| Q1 2026 | 10.71% | 1.26% | 0.17% | 1.51% | 3.56% |
| Q4 2025 | 10.58% | 1.27% | 0.18% | 1.62% | 3.74% |
| Q3 2025 | 10.75% | 1.40% | 0.20% | 1.75% | 3.71% |
| Q2 2025 | 10.95% | 1.24% | 0.23% | 1.99% | 3.78% |
| Q1 2025 | 11.17% | 1.36% | 0.30% | 2.59% | 3.65% |
| Q4 2024 | 11.27% | 1.44% | 0.31% | 2.70% | 3.90% |
| Q3 2024 | 12.45% | 1.38% | 0.29% | 2.44% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| International Finance Bank (main office) | Miami , FL | 33135 | $1.08B |
| Coral Gables Branch | Miami , FL | 33135 | $238.8M |
| New York Branch | New York , NY | 10022 | $136.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in FL, rank 57 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 22 loans originated, $54.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows International Finance Bank’s latest filed figures and updates each quarter.
Similar banks
Compare International Finance Bank with peers
Frequently asked about International Finance Bank
What are International Finance Bank's total assets?
As of the Q2 2026 filing, International Finance Bank reported total assets of $1.62 billion in its FFIEC call report.
Where is International Finance Bank headquartered?
It is headquartered in Miami, FL, United States.
When was International Finance Bank founded?
It was established in 1983, per the FDIC institution directory.
Is International Finance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates International Finance Bank?
International Finance Bank's primary federal regulator is the Federal Reserve.
What is International Finance Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.25% in its Q2 2026 call report, above regulatory requirements.
How many branches does International Finance Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is International Finance Bank's Texas Ratio?
Its Texas Ratio is 2.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on International Finance Bank.
Get an email when International Finance Bank files its next call report, and benchmark it against any peer you choose.
Unlock International Finance Bank, freeFree account